Beazley vs Gallagher Employment Practices Liability Insurance

Beazley underwrites employment practices liability (EPL) coverage as a standalone product on its dedicated EPL page and as one of three coverages bundled in its ExecuGuard package policy alongside D&O and fiduciary liability. ^5,3Company-reported. US EPL as described on the two reviewed product pages; does not establish which entity issues a particular policy.

Gallagher's Executive and Financial Risk practice places EPL insurance with outside carriers and advises on limits and program design; it does not underwrite the policy. ⁸Company-reported. Group-level executive-and-financial-risk practice page.

The EPL product page does not name the specific Beazley insurance entity that issues the policy. ⁵Not found in reviewed sources. EPL page as read on 2026-09-23; the issued policy's declarations control the actual insurer.

The executive-and-financial-risk page does not name the insurer that would issue a given client's EPL policy. ⁸Not publicly disclosed. Checked the group-level executive-and-financial-risk practice page.

Beazley says it considers employers in all industries with up to 30,000 employees, with no stated employee-count limit for staffing firms, and describes an appetite for harder-to-place classes such as law firms, hospitality, high-tech, healthcare, retail and transportation; healthcare risks are instead written through Beazley Remedy. ⁵Company-reported. EPL product page eligibility description; actual acceptance depends on underwriting review of a specific applicant.

Gallagher says its EPL exposure modeling accounts for an organization's employee count, employee type and mix, and location of operations, reflecting that EPL claim size correlates with organization size and diversity. ⁸Company-reported. Group-level executive-and-financial-risk practice page.

The EPL policy covers a broad range of discrimination, harassment and other "inappropriate employment conduct" claims, lets the policyholder choose between "duty to defend" and "pay on behalf" claim handling, and includes industry-specific wordings for classes such as law firms, accountants, staffing firms and PEOs. ⁵Company-reported. EPL product page coverage description; exclusions and conditions are set by the issued policy.

Beazley lists sublimited extensions for immigration-practices defense costs and OSHA proceedings, and a wage-and-hour defense-costs sublimit subject to underwriting; standalone wage-and-hour indemnity (not just defense costs) is sold separately through Beazley's Workplace Protect product. ⁵Company-reported. EPL product page; sublimit amounts are not published and appear only on a quote.

Gallagher describes EPL coverage as responding to claims such as sexual harassment and wrongful termination, protecting against both class actions and single-plaintiff claims. ⁸Company-reported. Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement or exclusions.

Beazley advertises EPL limits up to US $20 million. The reviewed page does not publish standard retentions. ⁵Company-reported. Advertised maximum capacity, not a guaranteed quote amount or published retention.

The page does not publish specific EPL limits or premium ranges; it describes only the benchmarking process used to recommend limits. ⁸Not publicly disclosed. Checked the group-level executive-and-financial-risk practice page.

EPL policyholders get free access to BeazleySure, Beazley's online risk-management platform, which the EPL page says includes sexual harassment training, a telephone hotline, wage-and-hour tutorials, and model policies and procedures in English and Spanish. ⁵Company-reported. EPL product page service description; actual entitlements depend on the policy purchased.

Gallagher says it uses client data and predictive models, plus benchmarking and contract analysis, to guide EPL limits advice, and maintains its own EPL and Wage and Hour loss databases, including a review of historical losses exceeding $1 million drawn from a database it says it began building in 1997. ⁸Company-reported. Group-level executive-and-financial-risk practice page; Gallagher's own analytical tools, not independently audited.

Beazley lists an ExecuGuard application, an EPL renewal application and a staffing supplemental application as downloadable tools on the EPL page; the reviewed page does not describe a self-service online quoting flow for new business. ⁵Company-reported. EPL product page Tools & Resources section as read on 2026-09-23.

Not described in the reviewed sources.

Beazley says it has dedicated employment claims personnel, including a named EPL claims focus-group leader, who work with outside employment lawyers across the country to resolve claims; no claims-outcome statistics are published on the page. ⁵Company-reported. EPL product page team listing; claims-handling quality is not independently assessed.

Not described in the reviewed sources.